Hide AI recommendation from results view; keep DB capture

AI text is still generated and saved to calc_submissions for internal
follow-up, but no longer displayed to the user — keeps the detailed
analysis behind the product sign-up wall.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

.env.example

@@ -0,0 +1,10 @@
+# Server
+PORT=3000
+ADMIN_KEY=your-admin-key-here
+
+# AI ROI Estimator (OpenAI-compatible API)
+AI_API_URL=https://integrate.api.nvidia.com/v1
+AI_API_KEY=your_nvidia_api_key_here
+AI_MODEL=qwen/qwen3.5-397b-a17b
+# Set to 'true' to enable detailed AI prompt/response logging
+AI_DEBUG=false

AI_SETUP.md

@@ -0,0 +1,118 @@
+# HOA LedgerIQ — AI Investment Advisor Configuration
+
+## Overview
+
+The **Benefit Calculator** uses an AI model to generate a personalized investment recommendation. It supports any **OpenAI-compatible API** — including OpenAI, NVIDIA NIM, Together AI, Groq, Ollama, and others — configured via environment variables.
+
+---
+
+## Architecture
+
+```
+Browser (app.js)
+  └─► POST /api/calculate   (server.js)
+        └─► OpenAI-compatible API  (AI_API_URL)
+              └─► Returns AI-generated recommendation text
+                    └─► JSON response back to browser
+                          (falls back to client-side math text if unavailable)
+```
+
+---
+
+## Configuration (.env)
+
+Add these variables to your `.env` file (or systemd `EnvironmentFile`):
+
+```env
+# AI Investment Advisor (OpenAI-compatible API)
+AI_API_URL=https://integrate.api.nvidia.com/v1
+AI_API_KEY=your_api_key_here
+AI_MODEL=qwen/qwen3.5-397b-a17b
+
+# Set to 'true' to enable detailed AI prompt/response logging
+AI_DEBUG=false
+```
+
+### Provider Examples
+
+| Provider | AI_API_URL | Example Model |
+|---|---|---|
+| OpenAI | `https://api.openai.com/v1` | `gpt-4o-mini` |
+| NVIDIA NIM | `https://integrate.api.nvidia.com/v1` | `qwen/qwen3.5-397b-a17b` |
+| Together AI | `https://api.together.xyz/v1` | `meta-llama/Llama-3-70b-chat-hf` |
+| Groq | `https://api.groq.com/openai/v1` | `llama3-70b-8192` |
+| Ollama (local) | `http://localhost:11434/v1` | `llama3` |
+
+> If `AI_API_KEY` is not set, the `/api/calculate` endpoint returns 503 and the calculator falls back to client-side generated text automatically.
+
+---
+
+## How It Works
+
+`server.js` initializes the OpenAI client with your configured base URL and key:
+
+```js
+const aiClient = AI_API_KEY
+  ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL })
+  : null;
+```
+
+The `POST /api/calculate` endpoint builds a prompt from the form inputs and calls:
+
+```js
+const completion = await aiClient.chat.completions.create({
+  model:      AI_MODEL,
+  max_tokens: 300,
+  messages:   [{ role: 'user', content: prompt }],
+});
+```
+
+`app.js` calls this endpoint on form submit and falls back to the client-side text if the server returns an error or is unreachable.
+
+---
+
+## Restart & Verify
+
+```bash
+sudo systemctl restart hoaledgeriqweb
+
+# Test the endpoint
+curl -X POST http://localhost:3000/api/calculate \
+  -H "Content-Type: application/json" \
+  -d '{"homesites":150,"propertyType":"sfh","annualIncome":300000,"paymentFreq":"monthly","reserveFunds":500000,"interest2025":4200}'
+```
+
+---
+
+## Prompt Tuning
+
+Edit the prompt in `server.js` (inside the `/api/calculate` route) to adjust tone or output:
+
+| Goal | Change |
+|---|---|
+| More optimistic estimates | Change "conservative" to "moderate" |
+| Shorter output | Reduce `max_tokens` to `150` |
+| Specific products | Add "mention Vanguard Federal Money Market or 6-month T-bills" |
+| Add disclaimer | Append "End with one sentence reminding them this is not financial advice." |
+
+---
+
+## Debug Logging
+
+Set `AI_DEBUG=true` in `.env` to log the full prompt and response to the server console. Useful for testing new models or prompt changes.
+
+---
+
+## Security
+
+- **Never put `AI_API_KEY` in `app.js`** — all AI calls go through `server.js`.
+- Rate-limit the endpoint to prevent abuse:
+
+```bash
+npm install express-rate-limit --ignore-scripts
+```
+
+```js
+const rateLimit = require('express-rate-limit');
+app.use('/api/calculate', rateLimit({ windowMs: 60_000, max: 10 }));
+```

app.js

@@ -20,6 +20,149 @@
   if (signupEl) signupEl.textContent = text;
 })();
 
+// ── Benefit Calculator ───────────────────────────────────
+(function initCalculator() {
+  const overlay   = document.getElementById('calcOverlay');
+  const openBtn   = document.getElementById('openCalc');
+  const closeBtn  = document.getElementById('calcClose');
+  const submitBtn = document.getElementById('calcSubmit');
+  const recalcBtn = document.getElementById('calcRecalc');
+  const calcForm  = document.getElementById('calcForm');
+  const calcRes   = document.getElementById('calcResults');
+  const calcErr   = document.getElementById('calcError');
+  const ctaBtn    = document.getElementById('calcCTABtn');
+
+  if (!overlay) return;
+
+  function open()  { overlay.classList.add('open'); document.body.style.overflow = 'hidden'; }
+  function close() { overlay.classList.remove('open'); document.body.style.overflow = ''; }
+
+  openBtn?.addEventListener('click', open);
+  closeBtn?.addEventListener('click', close);
+  overlay.addEventListener('click', e => { if (e.target === overlay) close(); });
+  document.addEventListener('keydown', e => { if (e.key === 'Escape') close(); });
+
+  recalcBtn?.addEventListener('click', () => {
+    calcRes.classList.add('hidden');
+    calcForm.classList.remove('hidden');
+  });
+
+  // Close modal and scroll to signup when CTA clicked
+  ctaBtn?.addEventListener('click', () => {
+    close();
+  });
+
+  const calcBtnText    = submitBtn?.querySelector('.calc-btn-text');
+  const calcBtnLoading = submitBtn?.querySelector('.calc-btn-loading');
+
+  function setCalcLoading(on) {
+    if (!submitBtn) return;
+    submitBtn.disabled = on;
+    calcBtnText?.classList.toggle('hidden', on);
+    calcBtnLoading?.classList.toggle('hidden', !on);
+  }
+
+  submitBtn?.addEventListener('click', async () => {
+    const homesites    = parseFloat(document.getElementById('calcHomesites').value)    || 0;
+    const propertyType = document.getElementById('calcPropertyType').value;
+    const annualIncome = parseFloat(document.getElementById('calcAnnualIncome').value) || 0;
+    const paymentFreq  = document.getElementById('calcPaymentFreq').value;
+    const reserveFunds = parseFloat(document.getElementById('calcReserveFunds').value) || 0;
+    const interest2025 = parseFloat(document.getElementById('calcInterest2025').value) || 0;
+    const calcEmail    = document.getElementById('calcEmail')?.value.trim() || '';
+    const calcOptIn    = document.getElementById('calcOptIn')?.checked ?? true;
+
+    if (!homesites || !annualIncome) {
+      calcErr.classList.remove('hidden');
+      return;
+    }
+    calcErr.classList.add('hidden');
+    setCalcLoading(true);
+
+    // ── Conservative investment assumptions ──
+    // Operating cash: depending on payment frequency, portion investable in high-yield savings
+    const opMultiplier  = { monthly: 0.10, quarterly: 0.20, annually: 0.35 }[paymentFreq] || 0.10;
+    const opRate        = 0.040;   // 4.0% money market / HYSA
+    const resRatio      = 0.65;    // 65% of reserves investable (keep 35% liquid)
+    const resRate       = 0.0425;  // 4.25% CD ladder / short-term treasuries
+
+    const investableOp  = annualIncome * opMultiplier;
+    const investableRes = reserveFunds * resRatio;
+    const opInterest    = Math.round(investableOp  * opRate);
+    const resInterest   = Math.round(investableRes * resRate);
+    const totalPotential = opInterest + resInterest;
+    const increase       = totalPotential - interest2025;
+    const pctIncrease    = interest2025 > 0
+      ? Math.round((increase / interest2025) * 100)
+      : (totalPotential > 0 ? 100 : 0);
+
+    // ── Populate results ──
+    const fmt = n => '$' + Math.round(n).toLocaleString();
+
+    document.getElementById('resultAmount').textContent   = fmt(totalPotential);
+    document.getElementById('resultCurrent').textContent  = fmt(interest2025);
+    document.getElementById('resultOperating').textContent = fmt(opInterest);
+    document.getElementById('resultReserve').textContent   = fmt(resInterest);
+
+    const badge = document.getElementById('resultBadge');
+    if (increase > 0) {
+      badge.textContent = `+${fmt(increase)} · +${pctIncrease}%`;
+      badge.style.display = 'inline-block';
+    } else {
+      badge.style.display = 'none';
+    }
+
+    // ── AI-style suggestion text ──
+    const typeLabels = { sfh:'single-family home', townhomes:'townhome', condos:'condo', mixed:'mixed-use', '':'' };
+    const typeLabel  = typeLabels[propertyType] || '';
+    const freqLabel  = { monthly:'monthly', quarterly:'quarterly', annually:'annual' }[paymentFreq];
+    const communityDesc = [homesites && `${homesites}-unit`, typeLabel, 'community'].filter(Boolean).join(' ');
+
+    let ai = `Based on your ${communityDesc} collecting ${fmt(annualIncome)} in ${freqLabel} dues`;
+    if (reserveFunds > 0) ai += ` and ${fmt(reserveFunds)} in reserve funds`;
+    ai += `, a conservative investment strategy could generate approximately ${fmt(totalPotential)} in annual interest income. `;
+    if (resInterest > 0) ai += `Deploying ${fmt(investableRes)} of your reserve funds into a short-term CD ladder at ~4.25% yields ${fmt(resInterest)} annually. `;
+    if (opInterest > 0)  ai += `Keeping a ${fmt(investableOp)} operating cash buffer in a high-yield money market at ~4.0% adds another ${fmt(opInterest)}. `;
+    if (interest2025 > 0 && increase > 0) {
+      ai += `That's a ${fmt(increase)} improvement (+${pctIncrease}%) over your 2025 interest income of ${fmt(interest2025)} — with no additional risk.`;
+    } else if (interest2025 === 0) {
+      ai += `This would represent entirely new interest income for your community at no additional risk.`;
+    }
+
+    // ── AI recommendation — call server to generate & save to DB (not displayed) ──
+    try {
+      await fetch('/api/calculate', {
+        method:  'POST',
+        headers: { 'Content-Type': 'application/json' },
+        body:    JSON.stringify({
+          homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025,
+          email: calcEmail, optIn: calcOptIn,
+          totalPotential, opInterest, resInterest,
+        }),
+      });
+    } catch (_) { /* best-effort — DB save failed silently */ }
+
+    // ── Animate the main number ──
+    animateValue(document.getElementById('resultAmount'), 0, totalPotential);
+
+    setCalcLoading(false);
+    calcForm.classList.add('hidden');
+    calcRes.classList.remove('hidden');
+  });
+
+  function animateValue(el, from, to) {
+    const duration = 900;
+    const start = performance.now();
+    function step(now) {
+      const progress = Math.min((now - start) / duration, 1);
+      const ease = 1 - Math.pow(1 - progress, 3);
+      el.textContent = '$' + Math.round(from + (to - from) * ease).toLocaleString();
+      if (progress < 1) requestAnimationFrame(step);
+    }
+    requestAnimationFrame(step);
+  }
+})();
+
 // ── Screenshot Carousel ──────────────────────────────────
 (function initCarousel() {
   const carousel = document.getElementById('screenshotCarousel');

index.html

@@ -8,6 +8,7 @@
   <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin />
   <link href="https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap" rel="stylesheet" />
   <link rel="stylesheet" href="styles.css" />
+  <link rel="cononical" href="https://www.hoaledgeriq.com" />
 </head>
 <!-- Google tag (gtag.js) -->
 <script async src="https://www.googletagmanager.com/gtag/js?id=G-RTWNVXPMRF"></script>
@@ -63,6 +64,7 @@
       </p>
       <div class="hero-actions">
         <a href="#preview-signup" class="btn btn-primary btn-lg">Join the Preview List</a>
+        <button class="btn btn-calc btn-lg" id="openCalc">✦ Calculate Your Interest Income Potential</button>
         <a href="#features" class="btn btn-ghost btn-lg">See What's Inside ↓</a>
       </div>
       <div class="hero-trust">
@@ -428,6 +430,143 @@
     </div>
   </footer>
 
+  <!-- ── BENEFIT CALCULATOR MODAL ─────────────────────── -->
+  <div class="calc-overlay" id="calcOverlay" aria-modal="true" role="dialog">
+    <div class="calc-modal">
+      <button class="calc-close" id="calcClose" aria-label="Close calculator">×</button>
+
+      <div class="calc-header">
+        <div class="section-label">ROI Calculator</div>
+        <h2>See What HOA LedgerIQ Could Earn Your Community</h2>
+        <p>Answer a few quick questions for a personalized, AI-Driven interest income estimate.</p>
+      </div>
+
+      <!-- INPUTS -->
+      <div id="calcForm">
+        <div class="calc-grid">
+          <div class="calc-field">
+            <label for="calcHomesites">Number of Homesites</label>
+            <input type="number" id="calcHomesites" placeholder="e.g. 150" min="1" />
+          </div>
+          <div class="calc-field">
+            <label for="calcPropertyType">Property Type</label>
+            <select id="calcPropertyType">
+              <option value="">Select type...</option>
+              <option value="sfh">Single Family Homes</option>
+              <option value="townhomes">Townhomes</option>
+              <option value="condos">Condos</option>
+              <option value="mixed">Mixed Use</option>
+            </select>
+          </div>
+          <div class="calc-field">
+            <label for="calcAnnualIncome">Annual Dues Income</label>
+            <div class="input-prefix-wrap">
+              <span class="input-prefix">$</span>
+              <input type="number" id="calcAnnualIncome" placeholder="e.g. 250,000" min="0" />
+            </div>
+          </div>
+          <div class="calc-field">
+            <label for="calcPaymentFreq">Dues Payment Frequency</label>
+            <select id="calcPaymentFreq">
+              <option value="monthly">Monthly</option>
+              <option value="quarterly">Quarterly</option>
+              <option value="annually">Annually</option>
+            </select>
+          </div>
+          <div class="calc-field">
+            <label for="calcReserveFunds">Current Reserve Fund Balance</label>
+            <div class="input-prefix-wrap">
+              <span class="input-prefix">$</span>
+              <input type="number" id="calcReserveFunds" placeholder="e.g. 500,000" min="0" />
+            </div>
+          </div>
+          <div class="calc-field">
+            <label for="calcInterest2025">Interest Income Earned in 2025</label>
+            <div class="input-prefix-wrap">
+              <span class="input-prefix">$</span>
+              <input type="number" id="calcInterest2025" placeholder="e.g. 4,500" min="0" />
+            </div>
+          </div>
+        </div>
+        <p class="calc-error hidden" id="calcError">Please fill in homesites and annual dues income to continue.</p>
+        <!-- Email + opt-in -->
+        <div class="calc-email-row">
+          <div class="calc-field calc-field--full">
+            <label for="calcEmail">Your Email Address <span class="calc-optional">(optional)</span></label>
+            <input type="email" id="calcEmail" placeholder="you@example.com" />
+          </div>
+          <label class="calc-optin-label">
+            <input type="checkbox" id="calcOptIn" checked />
+            <span>I'd like HOA LedgerIQ to provide informative insights over time.</span>
+          </label>
+          <p class="calc-privacy">🔒 Your email and submitted data are used solely to provide your ROI estimate and will never be shared with any third party or outside organization.</p>
+        </div>
+
+        <p class="calc-error hidden" id="calcError">Please fill in homesites and annual dues income to continue.</p>
+        <button class="btn btn-primary btn-lg calc-submit-btn" id="calcSubmit">
+          <span class="calc-btn-text">Calculate My Potential →</span>
+          <span class="calc-btn-loading hidden"><span class="calc-spinner"></span> Calculating…</span>
+        </button>
+        <p class="calc-fine">Conservative estimates for illustrative purposes only. Not financial advice.</p>
+      </div>
+
+      <!-- RESULTS -->
+      <div id="calcResults" class="hidden">
+        <div class="result-highlight">
+          <div class="result-label">Estimated Annual Interest Income Potential</div>
+          <div class="result-amount" id="resultAmount">$0</div>
+          <div class="result-comparison">
+            <span>vs. your 2025 earnings: <strong id="resultCurrent">$0</strong></span>
+            <span class="result-badge" id="resultBadge"></span>
+          </div>
+        </div>
+
+        <div class="result-breakdown">
+          <div class="result-row">
+            <span>Operating fund cash management</span>
+            <span class="result-row-val" id="resultOperating">$0</span>
+          </div>
+          <div class="result-row">
+            <span>Reserve fund investment income</span>
+            <span class="result-row-val" id="resultReserve">$0</span>
+          </div>
+        </div>
+
+        <!-- AI text captured to DB only — not displayed -->
+        <p id="calcAiText" style="display:none"></p>
+
+        <div class="calc-refine-blurb">
+          <span class="calc-refine-icon">⚙</span>
+          <p>This is a high-level estimate based on your inputs. Inside HOA LedgerIQ, your investment strategy is continuously refined against your live cash flows, upcoming expenses, and reserve study timelines — automatically maximizing yield while keeping your community fully liquid.</p>
+        </div>
+
+        <div class="calc-cta">
+          <p>Ready to put these gains to work for your community?</p>
+          <a href="#preview-signup" class="btn btn-primary btn-lg calc-cta-btn" id="calcCTABtn">Get Early Access — Reserve My Spot →</a>
+          <button class="btn btn-ghost calc-recalc" id="calcRecalc">← Recalculate</button>
+        </div>
+      </div>
+
+    </div>
+  </div>
+
   <script src="app.js"></script>
+
+  <!-- Support Chat Widget -->
+  <script>
+    (function(d,t) {
+      var BASE_URL="https://chat.hoaledgeriq.com";
+      var g=d.createElement(t),s=d.getElementsByTagName(t)[0];
+      g.src=BASE_URL+"/packs/js/sdk.js";
+      g.async = true;
+      s.parentNode.insertBefore(g,s);
+      g.onload=function(){
+        window.chatwootSDK.run({
+          websiteToken: '1QMW1fycL5xHvd6XMfg4Dbb4',
+          baseUrl: BASE_URL
+        })
+      }
+    })(document,"script");
+  </script>
 </body>
 </html>

package.json

@@ -9,6 +9,8 @@
   },
   "dependencies": {
     "better-sqlite3": "^9.4.3",
-    "express": "^4.18.3"
+    "dotenv": "^17.3.1",
+    "express": "^4.18.3",
+    "openai": "^6.27.0"
   }
 }

server.js

@@ -14,9 +14,20 @@ const path    = require('path');
 const fs      = require('fs');
 const express = require('express');
 const Database = require('better-sqlite3');
+const OpenAI   = require('openai');
 
 // ── Config ──────────────────────────────────────────────
 const PORT    = process.env.PORT || 3000;
+
+// ── AI client (OpenAI-compatible) ────────────────────────
+const AI_API_URL = process.env.AI_API_URL || 'https://api.openai.com/v1';
+const AI_API_KEY = process.env.AI_API_KEY || '';
+const AI_MODEL   = process.env.AI_MODEL   || 'gpt-4o-mini';
+const AI_DEBUG   = process.env.AI_DEBUG   === 'true';
+
+const aiClient = AI_API_KEY
+  ? new OpenAI({ apiKey: AI_API_KEY, baseURL: AI_API_URL })
+  : null;
 const DB_DIR  = path.join(__dirname, 'data');
 const DB_PATH = path.join(DB_DIR, 'leads.db');
 
@@ -42,6 +53,25 @@ db.exec(`
   );
 `);
 
+db.exec(`
+  CREATE TABLE IF NOT EXISTS calc_submissions (
+    id                INTEGER PRIMARY KEY AUTOINCREMENT,
+    email             TEXT,
+    opt_in            INTEGER DEFAULT 1,
+    homesites         REAL,
+    property_type     TEXT,
+    annual_income     REAL,
+    payment_freq      TEXT,
+    reserve_funds     REAL,
+    interest_2025     REAL,
+    total_potential   REAL,
+    op_interest       REAL,
+    res_interest      REAL,
+    ai_recommendation TEXT,
+    created_at        TEXT NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%fZ','now'))
+  );
+`);
+
 // Migrate existing DBs: add new columns if they don't exist yet
 const cols = db.pragma('table_info(leads)').map(c => c.name);
 if (!cols.includes('org_name'))      db.exec('ALTER TABLE leads ADD COLUMN org_name TEXT');
@@ -56,6 +86,19 @@ const insertLead = db.prepare(`
 
 const findByEmail = db.prepare(`SELECT id FROM leads WHERE email = ? LIMIT 1`);
 
+const insertCalcSubmission = db.prepare(`
+  INSERT INTO calc_submissions
+    (email, opt_in, homesites, property_type, annual_income, payment_freq,
+     reserve_funds, interest_2025, total_potential, op_interest, res_interest, ai_recommendation)
+  VALUES
+    (@email, @optIn, @homesites, @propertyType, @annualIncome, @paymentFreq,
+     @reserveFunds, @interest2025, @totalPotential, @opInterest, @resInterest, @aiRecommendation)
+`);
+
+const getAllCalcSubmissions = db.prepare(`
+  SELECT * FROM calc_submissions ORDER BY created_at DESC
+`);
+
 const getAllLeads = db.prepare(`
   SELECT id, first_name, last_name, email, org_name, state, role, unit_count, beta_interest, source, created_at
   FROM leads
@@ -127,6 +170,100 @@ app.get('/api/leads', (req, res) => {
   res.json({ count: leads.length, leads });
 });
 
+// POST /api/calculate  — AI-powered investment recommendation
+app.post('/api/calculate', async (req, res) => {
+  function saveCalcSubmission(aiRecommendation) {
+    try {
+      insertCalcSubmission.run({
+        email:           email?.trim() || null,
+        optIn:           optIn ? 1 : 0,
+        homesites:       homesites || null,
+        propertyType:    propertyType || null,
+        annualIncome:    annualIncome || null,
+        paymentFreq:     paymentFreq || null,
+        reserveFunds:    reserveFunds || null,
+        interest2025:    interest2025 || null,
+        totalPotential:  totalPotential || null,
+        opInterest:      opInterest || null,
+        resInterest:     resInterest || null,
+        aiRecommendation: aiRecommendation || null,
+      });
+    } catch (err) {
+      console.error('Failed to save calc submission:', err.message);
+    }
+  }
+
+  if (!aiClient) {
+    saveCalcSubmission(null);
+    return res.status(503).json({ error: 'AI service not configured.' });
+  }
+
+  const {
+    homesites, propertyType, annualIncome, paymentFreq, reserveFunds, interest2025,
+    email, optIn, totalPotential, opInterest, resInterest,
+  } = req.body ?? {};
+
+  if (!homesites || !annualIncome) {
+    return res.status(400).json({ error: 'homesites and annualIncome are required.' });
+  }
+
+  const fmt          = n => '$' + Math.round(n).toLocaleString();
+  const typeLabel    = { sfh: 'single-family home', townhomes: 'townhome', condos: 'condo', mixed: 'mixed-use' }[propertyType] || '';
+  const freqDivisor  = { monthly: 12, quarterly: 4, annually: 1 }[paymentFreq] || 12;
+  const installmentAmt = annualIncome / freqDivisor;
+  const freqDesc     = { monthly: 'monthly installments', quarterly: 'quarterly installments', annually: 'one lump-sum annual payment' }[paymentFreq] || 'monthly installments';
+
+  const prompt = `You are a conservative HOA financial advisor. Given the following community data, provide a brief (3-4 sentence) plain-English investment income recommendation. Use only conservative, realistic estimates. Do not speculate beyond what the data supports.
+
+Community: ${homesites}-unit ${typeLabel} association
+Total annual dues income: ${fmt(annualIncome)} per year
+Dues collection schedule: collected in ${freqDesc} of approximately ${fmt(installmentAmt)} per cycle (this affects operating cash flow timing, not the total annual amount)
+Reserve fund balance: ${fmt(reserveFunds || 0)}
+Interest income earned in 2025: ${fmt(interest2025 || 0)}
+
+Provide a recommendation focused on:
+1. How much of the reserve funds could conservatively be invested and in what vehicle (e.g. CD ladder, money market, T-bills)
+2. How much operating cash float could earn interest between each collection cycle and upcoming expenses, given the ${freqDesc} schedule
+3. A realistic estimated annual interest income potential based on the full ${fmt(annualIncome)} annual dues total
+4. A single sentence comparing that to their 2025 actual if provided
+
+Keep the tone professional and factual. No bullet points — flowing paragraph only.`;
+
+  if (AI_DEBUG) {
+    console.log('[AI_DEBUG] model:', AI_MODEL);
+    console.log('[AI_DEBUG] prompt:', prompt);
+  }
+
+  try {
+    const completion = await aiClient.chat.completions.create({
+      model:      AI_MODEL,
+      max_tokens: 300,
+      messages:   [{ role: 'user', content: prompt }],
+    });
+
+    const text = completion.choices[0]?.message?.content ?? '';
+
+    if (AI_DEBUG) console.log('[AI_DEBUG] response:', text);
+
+    saveCalcSubmission(text);
+    res.json({ recommendation: text });
+  } catch (err) {
+    console.error('AI API error:', err.message);
+    saveCalcSubmission(null);
+    res.status(502).json({ error: 'AI service unavailable. Showing estimated result.' });
+  }
+});
+
+// GET /api/calc-submissions  — internal: list all calculator submissions
+app.get('/api/calc-submissions', (req, res) => {
+  const secret = req.headers['x-admin-key'];
+  if (!secret || secret !== process.env.ADMIN_KEY) {
+    return res.status(401).json({ error: 'Unauthorized.' });
+  }
+  const rows = getAllCalcSubmissions.all();
+  res.json({ count: rows.length, submissions: rows });
+});
+
 // Health check
 app.get('/api/health', (_req, res) => res.json({ status: 'ok', ts: new Date().toISOString() }));
 

styles.css

@@ -623,6 +623,267 @@ body {
   color: var(--gray-700);
 }
 
+/* ---- Calculator CTA button ---- */
+.btn-calc {
+  background: linear-gradient(135deg, rgba(79,70,229,0.25), rgba(14,165,233,0.2));
+  border: 1.5px solid rgba(99,102,241,0.6);
+  color: #c7d2fe;
+  position: relative;
+  overflow: hidden;
+}
+.btn-calc::before {
+  content: '';
+  position: absolute;
+  inset: 0;
+  background: linear-gradient(135deg, rgba(79,70,229,0.4), rgba(14,165,233,0.3));
+  opacity: 0;
+  transition: opacity 0.2s;
+}
+.btn-calc:hover { color: #fff; border-color: rgba(99,102,241,0.9); transform: translateY(-1px); box-shadow: 0 8px 28px rgba(79,70,229,0.3); }
+.btn-calc:hover::before { opacity: 1; }
+.btn-calc span, .btn-calc { position: relative; z-index: 1; }
+
+/* ---- Calculator Modal ---- */
+.calc-overlay {
+  position: fixed;
+  inset: 0;
+  background: rgba(0,0,0,0.75);
+  backdrop-filter: blur(6px);
+  z-index: 1000;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  padding: 24px;
+  opacity: 0;
+  pointer-events: none;
+  transition: opacity 0.25s ease;
+}
+.calc-overlay.open {
+  opacity: 1;
+  pointer-events: all;
+}
+.calc-modal {
+  background: var(--gray-800);
+  border: 1px solid rgba(99,102,241,0.35);
+  border-radius: var(--radius-lg);
+  padding: 44px 48px;
+  max-width: 700px;
+  width: 100%;
+  max-height: 90vh;
+  overflow-y: auto;
+  position: relative;
+  box-shadow: 0 0 80px rgba(79,70,229,0.25), var(--shadow-lg);
+  transform: translateY(16px);
+  transition: transform 0.25s ease;
+}
+.calc-overlay.open .calc-modal { transform: translateY(0); }
+.calc-close {
+  position: absolute;
+  top: 16px; right: 20px;
+  background: none;
+  border: none;
+  color: var(--gray-500);
+  font-size: 26px;
+  cursor: pointer;
+  line-height: 1;
+  padding: 4px 8px;
+  border-radius: 6px;
+  transition: color 0.15s, background 0.15s;
+}
+.calc-close:hover { color: #fff; background: rgba(255,255,255,0.08); }
+.calc-header { margin-bottom: 28px; }
+.calc-header h2 { font-size: 26px; font-weight: 800; color: #fff; letter-spacing: -0.02em; margin-bottom: 8px; }
+.calc-header p { font-size: 15px; color: var(--gray-400); }
+.calc-grid {
+  display: grid;
+  grid-template-columns: 1fr 1fr;
+  gap: 16px;
+  margin-bottom: 8px;
+}
+.calc-field { display: flex; flex-direction: column; gap: 6px; }
+.calc-field label { font-size: 13px; font-weight: 600; color: var(--gray-400); }
+.calc-field input,
+.calc-field select {
+  background: var(--gray-900);
+  border: 1px solid rgba(255,255,255,0.1);
+  border-radius: 8px;
+  padding: 11px 14px;
+  color: var(--gray-100);
+  font-size: 15px;
+  font-family: inherit;
+  width: 100%;
+  outline: none;
+  transition: border-color 0.15s;
+  -webkit-appearance: none;
+}
+.calc-field input:focus,
+.calc-field select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(37,99,235,0.2); }
+.calc-field input::placeholder { color: var(--gray-700); }
+.calc-field select {
+  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2394a3b8' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
+  background-repeat: no-repeat;
+  background-position: right 14px center;
+  padding-right: 36px;
+}
+.calc-field select option { background: var(--gray-800); color: var(--gray-100); }
+.input-prefix-wrap { position: relative; }
+.input-prefix {
+  position: absolute;
+  left: 13px;
+  top: 50%;
+  transform: translateY(-50%);
+  color: var(--gray-600);
+  font-size: 15px;
+  font-weight: 600;
+  pointer-events: none;
+}
+.input-prefix-wrap input { padding-left: 28px; }
+.calc-error {
+  color: #f87171;
+  font-size: 13px;
+  margin: 8px 0;
+  font-weight: 500;
+}
+.calc-submit-btn { width: 100%; justify-content: center; margin-top: 16px; }
+.calc-fine {
+  font-size: 11px;
+  color: var(--gray-700);
+  text-align: center;
+  margin-top: 10px;
+  line-height: 1.5;
+}
+
+/* ── Results ── */
+.result-highlight {
+  background: linear-gradient(135deg, rgba(79,70,229,0.18), rgba(14,165,233,0.12));
+  border: 1px solid rgba(79,70,229,0.4);
+  border-radius: var(--radius);
+  padding: 28px;
+  text-align: center;
+  margin-bottom: 20px;
+}
+.result-label {
+  font-size: 12px;
+  text-transform: uppercase;
+  letter-spacing: 0.08em;
+  color: var(--gray-500);
+  font-weight: 700;
+  margin-bottom: 10px;
+}
+.result-amount {
+  font-size: 52px;
+  font-weight: 900;
+  letter-spacing: -0.03em;
+  color: var(--green);
+  line-height: 1.1;
+  margin-bottom: 12px;
+}
+.result-comparison {
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  gap: 12px;
+  flex-wrap: wrap;
+  font-size: 14px;
+  color: var(--gray-400);
+}
+.result-badge {
+  background: rgba(34,197,94,0.15);
+  border: 1px solid rgba(34,197,94,0.35);
+  color: var(--green);
+  padding: 3px 12px;
+  border-radius: 99px;
+  font-size: 13px;
+  font-weight: 700;
+  white-space: nowrap;
+}
+.result-breakdown {
+  background: rgba(255,255,255,0.03);
+  border: 1px solid rgba(255,255,255,0.07);
+  border-radius: var(--radius);
+  padding: 16px 20px;
+  margin-bottom: 20px;
+  display: flex;
+  flex-direction: column;
+  gap: 10px;
+}
+.result-row {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  font-size: 14px;
+  color: var(--gray-400);
+}
+.result-row-val { font-weight: 700; color: var(--gray-200); }
+.calc-ai-bubble {
+  background: rgba(79,70,229,0.12);
+  border: 1px solid rgba(79,70,229,0.3);
+  border-radius: var(--radius);
+  padding: 18px 20px;
+  margin-bottom: 24px;
+  font-size: 14px;
+  color: var(--gray-200);
+  line-height: 1.65;
+}
+.calc-ai-bubble .ai-label {
+  display: block;
+  font-size: 11px;
+  font-weight: 700;
+  color: #a5b4fc;
+  text-transform: uppercase;
+  letter-spacing: 0.06em;
+  margin-bottom: 8px;
+}
+.calc-cta { text-align: center; }
+.calc-cta > p { color: var(--gray-400); font-size: 15px; margin-bottom: 16px; }
+.calc-cta-btn { width: 100%; justify-content: center; margin-bottom: 12px; }
+.calc-recalc { font-size: 14px; color: var(--gray-500); }
+.calc-recalc:hover { color: var(--gray-200); }
+
+/* ── Calc email + opt-in ── */
+.calc-email-row { margin-top: 20px; display: flex; flex-direction: column; gap: 10px; }
+.calc-field--full { grid-column: 1 / -1; }
+.calc-optional { font-weight: 400; color: var(--gray-600); font-size: 11px; }
+.calc-optin-label {
+  display: flex; align-items: flex-start; gap: 10px;
+  font-size: 13px; color: var(--gray-300); cursor: pointer; line-height: 1.5;
+}
+.calc-optin-label input[type="checkbox"] {
+  margin-top: 2px; accent-color: var(--blue); flex-shrink: 0;
+  width: 15px; height: 15px; cursor: pointer;
+}
+.calc-privacy {
+  font-size: 11px; color: var(--gray-600); line-height: 1.5;
+  border-left: 2px solid rgba(255,255,255,0.06); padding-left: 10px; margin: 0;
+}
+
+/* ── Calc button spinner ── */
+.calc-btn-loading { display: flex; align-items: center; gap: 8px; }
+.calc-spinner {
+  display: inline-block; width: 14px; height: 14px;
+  border: 2px solid rgba(255,255,255,0.3);
+  border-top-color: #fff;
+  border-radius: 50%;
+  animation: spin 0.7s linear infinite;
+}
+@keyframes spin { to { transform: rotate(360deg); } }
+
+/* ── Results refinement blurb ── */
+.calc-refine-blurb {
+  display: flex; gap: 12px; align-items: flex-start;
+  background: rgba(14,165,233,0.07);
+  border: 1px solid rgba(14,165,233,0.18);
+  border-radius: 10px;
+  padding: 14px 16px;
+  margin-bottom: 20px;
+}
+.calc-refine-icon {
+  font-size: 18px; color: var(--sky); flex-shrink: 0; margin-top: 1px;
+}
+.calc-refine-blurb p {
+  font-size: 12.5px; color: var(--gray-400); line-height: 1.6; margin: 0;
+}
+
 /* ---- Screenshot Carousel ---- */
 .screenshot-carousel {
   width: 100%;